Personalized Interactive Network for Debt Management

ABSTRACT

Systems and methods are disclosed for personalizing interaction between an information/service/product provider using a debt management system that tracks data exchanged between users and the provider over multiple communication channels. User requests to an information/service/product provider can made via multiple different channels, such as by using ATMs, PDAs, cell phones, computers accessing web sites or other Web Devices, Voice Response Units (VRUs), and others. User requests submitted over these multiple channels are routed into an integrated debt management system that services these requests and selects personalized offers and/or personalized content and/or personalized format presentation to be provided to the users.

CROSS REFERENCE TO RELATED APPLICATIONS

This application is a continuation of U.S. patent application Ser. No. 11/950,112, filed Dec. 4, 2007, which in turn is a continuation of U.S. patent application Ser. No. 09/564,783, filed May 4, 2000, now U.S. Pat. No. 7,370,004, which in turn claims the benefit of and incorporates by reference the subject matter of U.S. Provisional Application Ser. No. 60/165,739, filed Nov. 15, 1999. Each of U.S. patent application Ser. No. 11/950,112, U.S. patent application Ser. No. 09/564,783 and U.S. Provisional Application Ser. No. 60/165,739 are hereby incorporated by reference in their entirety. This application is related to other applications with common priority claims to U.S. patent application Ser. No. 09/564,783 and U.S. Provisional Application Ser. No. 60/165,739, including: U.S. application Ser. Nos. 13,326,260 (filed Dec. 14, 2011); 13/326,245 (filed Dec. 14, 2011); 13/326,271 (filed Dec. 14, 2011); 13/761,774 (filed Feb. 7, 2013); 13/870,112 (filed Apr. 25, 2013); 13/890,817 (filed May 9, 2013); and 13/973,221 (filed Aug. 22, 2013), all hereby incorporated by reference in their entireties.

BACKGROUND OF THE INVENTION

The present invention relates to a system for personalized interaction over a communications channel between a user and a provider of information/services/goods. In particular, the present invention allows for personalized interactivity between an Internet web site user and the web site provider of information/services/goods. For example, the present invention allows a provider of services, for example, a provider of financial services such as a bank, to interact personally through a customer personalized website with a customer of that financial service provider. Although the invention may be used to personalize the provision of financial services over a communications channel, it is not limited to financial services but can be used to personalize the interaction between a customer and a provider of any products, goods, services and/or information of any kind. In particular, the present invention allows the provider of the information/goods/services to personalize the web site to the preferences of the particular user, for example, preferences such as interests, hobbies, business interests, product/service preferences, etc. Although an example has just been provided of a personalized approach to providing an Internet based service, the invention is equally applicable to any other communications channel including such channels involving interaction through automatic teller machines (ATMs) and other communications devices and kiosks, other communication channels, intranets or extranets, e-mail, telephone communications, faxes, call centers, branch offices, etc.

There are some limited forms of personalized interactive systems presently in operation, in particular, over the Internet. For example, Amazon.com provides a service which can select books for customers based upon their previous selections and preferences. However, these systems are limited in scope, and basically only use what is known as collaborative filtering to infer either what should be offered next or to make recommendations to the user.

Another system patented by Broadvision, described in U.S. Pat. No. 5,710,887, provides for electronic commerce over a computer driven network. An aim of this system is to allow commerce to be conducted across a number of different platforms and networks. Although offering the ability to be implemented over different networks, not just the interne, this system offers limited ability to customize the interaction between the customer and the provider of goods/services so that each customer interacts in a unique way with the provider based on the customer's preference, characteristics, lifestyle, etc. The Broadvision patent creates a participant program object that identifies the participant and contains information about the participant, e.g., name, address, privacy controls, demographic data and payment methods. However, the system is not capable of making knowledge driven decisions about a customer to personalize the interaction with the provider so that it takes into account more intangible customer characteristics such as preferences, lifestyles, and such customer characteristics as, for example, preferred tone of voice of interaction, decisions about user interests and hobbies, etc., that may be important to making an electronic interaction more “human” or personal.

Another system is described in U.S. Pat. No. 6,014,638. assigned to America Online, Inc. This system, however, is directed to an Internet only based system and is not applicable to a system which is adaptable to multiple channels and points of contact. Further, the system of the AOL patent does not allow for personalization in real time, i.e., using current interactions with the user.

BRIEF SUMMARY OF THE INVENTION

The present invention aims to manage knowledge obtained from customer interactions and personalize the information/product/services that are offered to the customer as a result of those interactions. The present invention utilizes data obtained from past and present interactions to make decisions about what to offer the customer and about what information/products/services the customer may be interested in. Further, the present invention is directed at totally personalizing the relationship between the customer and the information/service/product provider based upon using all the knowledge which can be obtained from past and present interactions with the customer to personalize the relationship with the customer. In the context of an Internet web site, the present invention personalizes the web site to the customer's preferences, characteristics and interests, etc. and pushes information, products, etc. that would be suitable to the customer.

The present invention provides a single, integral system that allows all channels to utilize the system, thus centralizing knowledge and creating a unique customer interaction experience.

Further, the present invention meets a need to integrate within an information/product/service provider, the various departments of the information/product/service provider so that the various information/product/service providers within a single company, for example, or even amongst groups of companies, can provide a plurality of information/services/products to the customer using an integrated or “cross channel” approach. For example, taking the example of a financial service provider, the present invention allows information concerning an ATM user having a high savings balance to be known to an investment department of the financial service provider so that the financial service provider can provide investment opportunities to that customer. Taking another example, a financial service customer having a high savings balance may be offered information concerning real estate mortgage offerings or loans on the rationale that a customer with a high balance may be saving funds to purchase and/or finance a home. In this way, the system of the invention allows collaboration and cross-fertilization (cross-application) across different channels of an information/service/product provider.

Presently, in many institutions that provide multiple services/products/information, one department providing a particular service/product/information may be totally unaware of prospects known to another department specializing in a different area of that same company or of knowledge that a customer exists in other relationships. The present invention, through an integrated system, will allow the company to be more responsive to the customer's various needs. In effect, the present invention has the effect of ending what is often called the “silo” mentality, i.e., the compartmentalizing of branches or departments in a company so that one branch or department is unaware of prospects/customers from another branch or department. A customer or user is defined as anyone who uses the system. The present invention aims to achieve the above objects by integrating various channels through which customers communicate with the information/service/product provider. The various channels may include the Internet, but also other channels such as phone lines, automatic teller machines, branch offices, bank cards, e-mail, direct mail and most other channels of communication. Further, the system of the invention allows use of multiple channels, e.g., a user may initiate communication using an ATM, but receive a response over the interne or fax or by phone or e-mail. The system allows the customer and provider to interact and allows customer to customer interaction or user to user interaction within a product/service information provider.

According to the invention, the above described objects are achieved by a system for personalizing interaction between a user communicating over at least one communication channel and a provider of information/products/services, the user having a communication device for communication over the channel with the provider, the system comprising: a channel interface for interfacing with the channel; a product/service interface for interfacing with an information/product/service provider; and a knowledge management system coupled to the channel and product/service interfaces, the knowledge management system comprising a knowledge/management repository storing information concerning the user, the information obtained from interaction with the user over the channel including current interactions between the user and the knowledge management system and further for storing information concerning a plurality of information/products/services to offer to the user; and a personalization engine for making a decision as to which of the plurality of information/product/services to present to the user over the communication channel based on the stored information in the knowledge/management repository.

According to one aspect, the system of the invention comprises a plurality of managers, brokers and services that contain and utilize databases and objects.

According to another aspect, the invention comprises a method for personalizing interaction between a user communicating over at least one communication channel and a provider of information/products/services, the user having a communication device for communication over the channel with the provider with which the user interfaces with the channel. A knowledge management system is interfaced with the channel and an information/product/service provider. Information is stored in a knowledge management repository concerning the user, the information obtained from interaction with the user over the channel including current interactions between the user and the knowledge management system. Further, information is stored in the knowledge management repository concerning a plurality of information/products/services to offer to the user. A decision is made as to which of the plurality of information/products/services to present to the user over the communication channel based on the stored information in the knowledge management repository.

According to yet another aspect, the present invention provides a system for personalizing interaction between a user communicating over at least one communication channel and a provider of information/products/services, the user having a communication device for communication over the channel with the provider, the system comprising: a channel interface for interfacing with the channel; a product/service interface for interfacing with an information/product/service provider; and a knowledge management system coupled to the channel and product/service interfaces. The knowledge management system comprises a knowledge management repository storing information concerning the user, the information obtained from at least one of interaction with the user over the channel including current interactions between the user and the knowledge management system; and information obtained about the user from other sources. The knowledge management repository further storing information concerning a plurality of information/products/services to offer to the user; and a personalization engine for making a decision as to which of the plurality of information/product/services to present to the user and for personalizing content of the information/product/services provided to the user over the communication channel based on the stored information in the knowledge management repository.

According to still yet another aspect, the invention provides a method for personalizing interaction between a user communicating over at least one communication channel and a provider of information/products/services, the user having a communication device for communication over the channel with the provider in which the user is interfaced with the channel. A knowledge management system is interfaced with the channel and an information/product/service provider. Information is stored in a knowledge management repository concerning the user, the information obtained from at least one of interaction with the user over the channel including current interactions between the user and the knowledge management system and information obtained from other sources. Information is further stored in the knowledge management repository concerning a plurality of information/products/services to offer to the user. A decision is made as to which of the plurality of information/product/services to present to the user and for personalizing content of the information/product/services provided to the user over the communication channel based on the stored information in the knowledge management repository.

The system of the invention accordingly provides a framework of components, their relationships, functions, and purposes for creating and maintaining a personalized interaction that is constant and can be tailored to any communications channel.

Further, the system of the invention can be used with any interactive communication channel and further is applicable to a wide variety of goods/products/services/information including, without limitation, financial products/services, legal products/services, entertainment products/services, government products/services, personal products/services, corporate products/services, consumer/individual products/services and information in general. For example, with respect to financial institutions, information such as payment information, statements, documents and files can be stored. Personalized offerings can be provided to the customer in such areas as archives for legal requirements, product fulfillment and customer service. For law firms, document storage can be provided and the interaction personalized. For example, archives for legal requirements or data mining of intellectual property are some examples of personalized offerings which can be provided by the system of the invention. With respect to entertainment companies, media such as music and video libraries may be stored. Personalized offerings such as consumer sales/global order fulfillment and video and audio screening may be provided. For governmental agencies, forms, deeds, statements and other documents and files etc. may be stored and personalized offerings may be provided with respect to these, for example, personalized data views can be provided. The system of the invention provides convenience, security and efficiency. With respect to personal services and markets, examples of media stored include PC backup, documents, music and video data, which can be used for internal use, customer service or order fulfillment, for example. Corporations can use the invention for documents/file storage, trade materials and/or vault services, for example. These can be used for internal use work flow improvement or order fulfillment.

Other features and advantages of the present invention will become apparent from the following detailed description of the invention which refers to the accompanying drawings.

BRIEF DESCRIPTION OF THE DRAWINGS

The invention will be described in greater detail in the following detailed description with reference to the accompanying drawings in which:

FIG. 1 shows the overall framework for the personalization architecture of the present invention;

FIG. 1A is a linear technical architecture diagram showing the various layers of the system of the invention and their applicability to various input channels and products and/or services, their relationships and interactions; this drawing uses time with zero minutes being the distribution channel with 1+ being the product layer;

FIG. 1B shows an example of operation of the system illustrating a case study demonstrating the components involved;

FIG. 1C shows modeling of the data using, for example, the “Papaa” framework (to be described herein);

FIG. 2 is a more detailed block diagram of the basic components of the personalization architecture including the distribution channels and product processors;

FIG. 3 is a yet more detailed block diagram of the personalization architecture of the invention, including components, relationships and flows;

FIGS. 4, 5, 5A, 6 and 7 are flow charts and accompanying related data applicable to users using a web site which has been personalized and showing the techniques used to personalize the experience and flow;

FIGS. 8 and 8A are detailed block diagrams of the interaction of the personalization manager component shown in FIGS. 2 and 3, this flow demonstrating the role and functionality of this component;

FIG. 8A shows the technical objects used to construct the personalization manager;

FIGS. 9 and 9A are block diagrams showing the interaction of components of the invention based upon triggering by an event to achieve personalization;

FIGS. 10 and 10A show the interaction of functional components of the personalization architecture and technical objects used during campaign management;

FIG. 11 shows functional components of the personalization architecture portal interface with the user;

FIGS. 12, 12A and 12B show functional components and technical objects of the personalization architecture relating to content management;

FIGS. 13 and 13A show functional components and technical objects of the personalization architecture relating to customer profile management;

FIG. 14 shows functional components of the personalization architecture relating to user authentication:

FIGS. 15 and 15A show functional components and technical objects of the personalization architecture relating to management information system reporting and customer analysis;

FIG. 16 shows how a decision on a value proposition to be offered to a customer online is made by the system of the invention; and

FIG. 17 shows the Papaa model.

DETAILED DESCRIPTION OF PREFERRED EMBODIMENTS

With reference now to the drawings, FIG. 1 is an overall block diagram of the architecture of the invention for providing personalized interaction between a provider of information and/or goods and/or services and a customer. A customer 1 interacts with the system through any of a number of distribution channels 10 which may comprise, for example, the Internet, automatic teller machines/kiosks, direct mail (email, fax, letter, etc.), Extranet, an Intranet, call centers, and branch offices, without limitation. The system includes an integrated knowledge management component or personalization system 100 to be described in greater detail. The component 100 implements such functions as scoring (propensity rating), campaign management, knowledge engineering, analysis and mining of information, data warehousing, forming customer profiles, providing customer profiles, and contacting management. The system component 100 includes a decision engine to make decisions to enable the system to personalize the interaction, a personalization engine to personalize the interaction and a content management engine, amongst other components referenced later. The system enables personalization of the interaction between the customer and an information/product/service provider offering information/product/service 30 that the customer desires. For example, as shown by items 30, in the case of a financial institution, the products or services may comprise items such as home finance, small business credit, credit cards, automobile financing, savings deposits, other investments, insurance, education financing, etc. The system includes the necessary means to achieve product fulfillment. Although financial products 30 are shown in FIG. 1, the system is equally applicable to other information/services/products, such as goods or information. Integrated in the system are the necessary means for providing security, authentication/recognition and authorization directory services, middleware and workflow services, groupware such as web/Intranet messaging and media services, network systems infrastructure and systems management services and support systems such as compensation, fraud and compliance tracking systems, etc.

FIG. 1A is a linear technical architecture diagram showing the overall technical architecture of the system in the form of layers. It shows the interaction from the distribution channels 10 on the left to the product layer 30 on the right. For example, if a person interacts with the system via the Internet, the customer interaction session 12 is direct. The customer interacts through an authentication application 14 which provides work flow, entitlements, and allows beginning a session on the system. As the user crosses this layer, the user also registers the session and retrieves any alerts/messages for the user. A presentation layer 16 is then used to access the system. The presentation layer shows the relationship—the total view—to the user. Infrastructure layer 18 is the administration layer that allows the system to be maintained and administrated. An application and business logic layer 20 includes the various applications and business logic, to be described in detail below. The layer 20 then interacts through an information product/processor layer 25 with information/product/services 30 in the product layer.

Interacting with the various layers is a metadata-knowledge discovery-object model 32 which includes various data bases and services. These databases include a contacts database (db), work flow db, security db, audit db, customer preference db, entitlement db, content db, application db, data warehouse db, data mart db, profile db, segmentation db, business rules db, campaign rule db and product db, in addition to others.

Personalization is the ability to deliver targeted products, services and information tailored to the user's preferences, interests and needs. Personalization allows the creation of a customer experience which reflects the relationship and the customer's requirements, also called “customer centric” experience. Furthermore, with respect to interaction via an Internet web site, personalization allows filling “white space” which can be described as the ability to promote an interaction with messages and other personalized components using matching and selection based upon the customer's profile, contacts, indications or assumptions derived through analysis, past interactions or contacts and the current interaction. The system is designed to adapt to all touch points or channels and all devices of interaction. Personal information can be static or dynamic based on a customer's explicit/implicit preferences and historic data or dynamic based on real time assessment of the next best step.

Personalization is adaptable to all channels, as described above, such channels as the interne, extranet, phone lines, e-mail, automatic teller machines, branch offices, etc.

Personalization of the interaction between customers and providers of information/goods/services is driven by a number of factors including environmental factors and business goals. With respect to environmental factors, such factors as commoditization of a particular industry, the disappearance of geographical boundaries, the dissolution of product identities, consolidation and competition have caused a need to distinguish one's products and services from those of others and to build a system to obtain this distinction through personalization of the interaction with the customer.

Business goals also drive the need for personalization. A customer feels more appreciated and more involved if there is personalized interaction. Further, personalization of the interaction empowers a customer and creates an environment supportive of selling information/goods/services or cross-selling information/goods/services amongst different departments of a provider of information/goods/services. Solutions are tailored due to knowledge of the customer.

The present invention provides a means to personalize an interaction via various communication channels between a customer and a provider of information/goods/services. The present invention allows a customer to interact with the provider through a preferred channel and at the customer's convenience. The system allows personalization of that interaction so that the customer is recognized and the customer's needs anticipated. The system allows advising the customer and providing access to all information/products/services offered by the provider. Further, the system allows the provider to provide customer tailored packages, i.e., non-standard packages. Furthermore, the system allows for continuously gathering, analyzing and distributing information to make the customer receive a more rewarding experience and interaction with the provider. Moreover, the system creates a basis for retaining customers, better servicing customers, and tailoring solutions as a result of the personalization provided by the system.

According to the invention, once a customer contacts the provider through a communications channel using the personalized system of the invention, the first step is identification and authentication of the customer at the start of the session (the security layer 14). This triggers the collection of a real time, customer profile which, created and combined, provides the basis for the delivery of a personalized experience. The same functions and information are made available at each touch point, i.e., through each channel. The actual experience that the customer has will be adapted to the customer's preferences and the capabilities and environment at that touch point. A decision engine provides key parameters for the real time assembly of the experience. Other parameters are the capabilities of the touch point and the course of the dialogue, for example, the click stream if communication is over the internet. The system is capable of interacting with the customer over a wide range of communication channels, however.

A Profile Manager, to be described in detail later, is the central coordinator and manager for all user profile related information. The Profile Manager is designed to be a service broker with appropriate directory service and repository support and it mediates access to all user profile related information. Sub-components of the profile manager provide services such as authentication and authorization, aggregation of profile attributes including user preferences, segmentation and campaign targeting/tracking information for the user, contact information, and outstanding commercial and services issues (“workflow process” status).

Value propositions i.e., offers to be made or information to be presented to the customer, are matched with the customer profile needs and preferences and delivered at the right time and the right place. Each session will update the customer profile, trigger follow-up activity and provide data for customer interaction analysis and fine tuning of the customer dialogue and the value proposition (offer).

The steps in the personalization process include adaptation to the channel, selection of functions, navigation screens and templates which take into account the specifics of the communication channel. The system customizes the experience based upon predefined navigation, language and tone of voice, metaphor including color scheme graphics and layout. News and messages can be provided to the customer.

Further, the system personalizes the process by content selection, based on preferences and customization rules. The system provides news and topics to the customer using searching and filtering technologies.

Further, so called “white space” in the customer display can be filled with propositions, actions, alerts, notifications, etc., decided by rules based on, for example, customer preferences or analysis of the customer profile.

In addition, the system can predict needs and can propose actions or recommendations based on matching of user profiles and behavior of like minded people. The system determines next steps based on analysis of the current interaction, obtains feedback and learning to be captured in the customer knowledge base and includes a rule oriented data base for application of personalization to thereby personalize information, offers, terms, conditions, and financial advice, etc.

FIG. 1B shows an example of how the system operates. FIG. 1B shows one example of how the system personalizes in a cross channel environment the interaction with a customer. The customer in this particular case is a customer of a financial institution having a high average savings balance, for example, greater than $10,000.00, a credit card, and a mortgage. The customer's characteristics are shown at 1A in FIG. 1C, along with the financial products, agreements and accounts 1B utilized by the customer.

FIG. 1C shows an example of how the system would use various data for this particular case study, i.e., the case study of FIG. 1B previously referred to. The customer has various demographics, preferences, values, financial objectives and a lifestyle (1A). Further, the customer has various agreements, if the service provider is, for example, a bank, such as credit cards and a mortgage (1B). Accordingly, the user makes use of various products such as credit cards and a mortgage from the service provider, in this case a bank. The user also may have accounts with the bank as shown. The system of the invention may also maintain a plurality of campaigns, contact lists, campaign responses, campaign priorities, etc. (45). Campaigns may be, for example, programs currently offered by the provider to customer prospects. The system further incorporates business/marketing rules and decision factors, target indicators, etc. (47) for determining which campaign to target to a particular user based on the rule/factors. This data model—called Papaa for applications in the banking industry—allows all personalization data and actions to be modeled. This data framework allows for a multi-channel, multi-action system to be unified for mining and audit of information. Papaa is an acronym standing for “Party-Agreement-Product-Account-Activity.” It is an object relational framework. The object model defines the business logic and services to insulate interfaces from the physical, relational database layer. The relational model offers the flexibility needed to address and support evolving entity attributes. Papaa is a framework defining the Global Profile Repository, discussed herein, for Personalization, supporting the needs of the profile manager. The Papaa model is shown schematically in FIG. 17.

Referring again to FIG. 1B, a campaign manager 122, to be described in detail later, is programmed to run various campaigns (FIG. 1C), for example, offering a credit card, currency on the go, home equity loans, a mutual fund and/or small business services. Based upon the customer profile managed by profile manager 122, a personalization engine 112 selects, for example, a mutual fund campaign to display on an ATM screen 40 while the customer withdraws cash. The rationale for this decision is the high average savings balance maintained by this customer. There is a likelihood that this customer will desire to invest in a mutual fund. Further, this decision may be based on other information available to the system including lack of any knowledge of significant upcoming life events, a comfortable lifestyle, and internal business/marketing rules. Should the customer be interested, the customer will express interest by touching the ATM screen and ask to be provided with further details, for example, by e-mail or any other means. E-mail can be sent with the information via e-mail server 121 and a link to a web page 50, and an electronic form may be forwarded to the customer which can he used to complete the sale.

As FIG. 1B shows, alternatively, the customer may interact initially with the system by the Internet 45 in which case the mutual fund ad is displayed on a webpage 50. The customer then has the option of communicating via the web site with the provider to consummate a transaction. Alternatively, another inbound and/or outbound communication channel(s) could be used, e.g., telephone, etc.

The personalization engine 112 is coupled to a decision engine 114 making each personalization decision at an appropriate time, in this case, on the best campaign to present to the customer, also weighing which is the best option for the user. This is performed based on business/marketing rules 47 (FIG. 1C) and the customer's profile. A profile manager 118 contains the profile of the customer which is retrieved and provided to the personalization engine 112 and which the personalization engine contact manager 120 updates based upon further interactions. The campaign manager 122 is coupled to the personalization engine 117 to provide any of selected campaigns for presentation to the customer. A contact manager 120 is also provided which is updated by the personalization engine 112 and records all the contacts with the users of the system (user and provider). The CSR (customer service representative) is alerted by an event manager to call the customer to provide further information or to close a sale.

With the above in mind, reference is now made to FIG. 2 which is an overall block diagram of the system of the invention. The customer interacts with the system via various channels 10, as previously described. The various products or services are shown at 30 as previously described. The personalization system (integrated knowledge management system) is indicated generally by reference numeral 100. As described previously, to illustrate how the system operates in a particular case, the system's primary components include interface identification components 110 including a portal 111 for interfacing with the channel 10 by which the customer interacts with the personalization system. The system 100 includes the personalization manager 112, previously described, for personalizing the interaction, the decision engine 114 which makes decisions concerning personalization, a content manager 116 which assembles and maps content to be provided to the user by providing selected templates and screen objects and a profile manager 118 which creates and caches the customer profile based upon previous interactions and other information concerning the customer profile stored in a global profile repository 118A. The system further includes a contact manager 120, campaign manager 122, customer analysis component 124, alert/event manager 126, authentication component 128 and various information sources, internal and external, shown at 130.

With reference to FIG. 2, the portal 111 serves as an entry point and common connector that interconnects the various components. Components of the portal 111 include a repository which contains metadata about screen objects, customer authentication/ACLs, preferences, profile, etc., a publish/subscribe engine, customer agents to deliver subscribed events/messages, search engine-key word and boolean/crawler/filter engine, etc. Portals control and administer the user's complete “view” (what they see and how it is organized in each channel based on user's preferences and entitlements etc.). Portal capability is essentially cross channel. Portals provide the customer the capability to customize their view and tailor the view according to their preferences. They typically offer content folders to organize content into multiple logical groups which may be shown in separate view zones, i.e., transaction data, published information such as stock quotes, “white space” content driven by personalization and marketing, static information, etc. User preferences can be channel specific (Internet has a certain view while call centers should answer pre-configured view or queries) and context specific (i.e., specific view while looking at, for example, account balances).

The portal may use a single sign-on (SSO) server 198 (FIG. 3), to be described later and the profile manager which collects the data for customer authentication and authorizations. The profile manager maintains a membership directory containing the information necessary to authenticate and assign entitlement roles to each customer. It provides a single sign-on across all the web/application servers. It displays an individual navigation menu with all the enterprise resources/services the customer is authorized to access. The menu reflects the customer's entitlements, and work flow which are obtained in real time based on the customer's current relationship with the information/product/service provider.

The Profile Manager 118 manages all the details related to the user's profile. This component is essentially a service broker, which maps and mediates access to all user profile related information, which may be maintained on multiple systems. These include user authentication and authorization, profile attributes, user preferences, user-campaign tag lists and related data, contact information etc. While all the above are not accessed through the Profile Manager, it provides the data and service directories to access this information as a service broker.

Some of the data elements related to a user's profile may be generated by other systems directly, i.e., contact information or campaign tag lists. However, the Profile Manager will provide reference maps and services to access this information. Some other profile elements may be accessed only through the profile manager, i.e., core profile elements.

The Profile Manager is considered the master reference for all user profile related data. The Global Profile Repository (GPR) acts as the central directory or repository of all the data mappings, references, services. The actual data elements may physically be distributed in different databases (part of a common CRM data model).

The menus provided to the customer also reflect customer profiles, preferences and subscription services. Profiles and preferences are managed by the profile manager 118. The key functions of the profile manager 118 include managing customer relationship events and assembling customer profiles using an LDAP based customer directory which provides linkages to all systems containing customer data and has supplementary customer information such as preferences, interests, etc.

If the internet is the chosen communication channel, as soon as the customer opens the home page, the portal 111 delivers personalized assembled information relative to the customer's profile. This automatic assembly of content is done by the content manager 116. The personalization is achieved via the personalization manager 112.

The content manager 116 aggregates content from multiple sources. Content sources may be of two categories, either static or dynamic. Static content may come from external feeds 130A, for example, weather, news, stock quotes, etc., and also from internal feeds 130B, for example, product/service knowledge. Static content is served directly by the portal 111 but stored/retrieved from the content manager 116. Dynamic and personalized content is served by the personalization manager 112, based on rules, work flow, interaction, campaigns and collaborating filtering, amongst other techniques. The content repository 116A contains the actual screen content objects, for example, HTML files, images, and applets. FIG. 3 shows the system of FIG. 2 in more detail.

The Portal 111 contacts the Content Manager 116 component for content elements. The Content Manager manages the content components delivered to the user. The Content manager may assemble content for channels when that is technically possible (i.e., Internet and e-mail) and will request content to be delivered in other channels where content is assembled by the channel specific application. However, content elements related to personalization will be mapped into the content manager (may or may not physically hold and assemble) and referenced by channel adapters which do their own content assembly and delivery.

For example. most of the content for channels like the Internet is stored in the Content Manager's repository 116A and assembled by the Content Manager, whereas contents of traditional ATM screens will be based in the ATM driver or ATM itself, with personalized messages mapped and referenced from the content manager. The Content manager maps and assembles content from its own repository, business applications (transaction systems), other static and dynamic internal and external sources, and resources referred by the Personalization Manager etc. Content elements for personalization will be decided by the Personalization Manager 112 based on the provider's personalization strategy, as reflected by commercial rules, etc.

The customer analysis (data mining) component 124 utilizes the datamart 125 to produce campaign rules, decision rules, and profile elements. The campaign manager 122 exports campaign rules to the personalization manager 112 and decision engine 114 and campaign content components to the content manager 116. Campaign response tracking is used to provide a real time feed back loop on campaign effectiveness. Customer interests and other campaign events are tracked in the content manager 116 for follow-up.

The personalization manager is the hub of the system. It is a broker which retrieves, weighs and sorts. The personalization manager 112 gets interaction events, collaborative filtering results and customer profile/preferences as input. It organizes and passes these inputs to the decision engine 114. The decision engine 114 evaluates the inputs against its marketing/campaign intelligence rules stored therein to come up with a decision or recommendation 114A. The decision is used by the personalization manager 112 to prepare value propositions (offers), best next steps and/or content to be presented to the customer. The personalization manager 112 can also inquire of a collaborative filtering engine, not shown in FIG. 2 or 3, but to be discussed in detail later, which makes decisions based on analysis of like minded customers. Further, it can make decisions based upon an interaction analyzer which analyses the current interaction, for example, click stream analysis, to make a recommendation.

The Campaign Manager 122 generates and manages reports such as click stream analysis, interaction analysis, customer analysis, campaign response analysis, etc. MIS Reporting—data marts—customer data marts hold customer and transaction information and are accessed by customer analysis components to assist campaign generation and targeting, segmentation, distilling of profile attributes, etc.

The Personalization Manager 112 component is a service coordinator and receptacle that provides required services and data support for personalization. Essentially the personalization manager abstracts requests for personalized content and helps manage other functionality/services associated with personalization (such as decisioning, campaigns, etc.). It accepts campaign rules from the campaign manager and executes the rules in the context of the user with the help of decision engines. This component can reference profile variables through the profile manager (tag lists, attributes etc.), specific transaction values, event data, session data, etc. (made available to decision engines as variables influencing a rule). It can also accept, store and retrieve personalization and campaign related status in appropriate data repositories.

The Contact management 120 component aggregates and makes available cross channel contact information across the product/service/information provider. All contacts, both inbound and outbound, generate information about the context of the contact (in what context the contact happened, i.e., customer wanted to withdraw money, had a service request, etc.). And the interaction that occurs during the contact (how the user interacted, i.e., what was user's click stream or dialogue with the CSR). For example, the user may ask for all account balances, how much money can be transferred at a time etc. before transferring money. Here, transferring money is the context, but the interaction includes all the activities that happened during the interaction. The view of the contacts made available at the different points will be based on the user of the information (decided by business needs) and will be mediated through contact manager services. The data may physically exist in multiple systems.

The event manager 126 component provides a publish and subscribe mechanism for events. An event is a stimulus that triggers an action. Events may result in a notification that can be delivered via multiple channels. For example, the event that a check has bounced can generate a notification to a customer and/or CSR. (The process of notification is at times referred to as Alerts. However, for clarity and to avoid confusion with the alert manager sub-component of the content manager, the term notification in this document issued to denote such alerts). The action could be executed by provider staff or by a provider business application or a messaging/notification sub-component system.

Services of the channel/device identifier component 111A are used to determined the channel through which the user has accessed the provider as well the capabilities and characteristics of the device (i.e., browser type, security level, hand held device type, graphics support, type of ATM, link speeds etc.). The format and type of content (including functions permitted on this channel/device) presented will be based on this identification. This component, nevertheless, does not do any modification to the content or participate in delivery of the content.

Turning now to FIGS. 4-7, these figures show the initial interaction of a site visitor with a website personalized by the system of the invention. For a first time site visitor 200, if anonymous and without a unique identification (201), the customer has an option to accept (203) or reject (204) an identifier. At this stage, personalization is based only on interaction based on current sessions, since there is no profile or history. Customization at this stage may relate to layout colors, and product/service offerings. Assuming the customer accepts the identifier (cookie), personalization can now be based on current and past sessions and information passed by the cookie. When the customer gives explicit information (205) that the business provider wants, personalization is then based on current and past interaction, collaborative filtering, rules using the customer profile and events. A determination (207) is then made whether the customer is the customer that he claims to be by various authentication techniques, for example, social security number, account number, etc. Customization at this stage can include layout, colors, product information, news, weather, stock quotes, statements of account, interest rate charges, etc.

FIGS. 5, 5A, and 6 show what the user sees and the data captured by the profile manager global profile repository 118A (FIGS. 2 and 3) and interaction data 118B which is captured by the system using the techniques of personalization. The profile manager 118 creates a PIF entry (profile file) for the user, updates the PIF entry with explicit information and preferences, interests, etc., addresses, E-mail addresses, phone numbers, demographic information like age, income group or any other information that the information/service/product provider needs and asks for any other demographic information, some of which can be confidential such as social security number, relationships, etc. The steps in the dashed box, including steps 207-213, show some of the authentication techniques.

FIG. 7 again shows the initial interaction between a site visitor and the system, this time showing the personalization techniques used by the system at the various stages of the interaction. These include real time click stream analysis from current session interaction, click stream analysis from previous sessions and collaborative filtering, to be described in greater detail below, based on past interaction and data collection. Further, personalization is based on other rules based on interactions and explicit/implicit information. In addition, other rules stored in the system in addition to those based on interactions and demographics, e.g., include those based upon campaign transactions, the customer's profile and events including transactions and service related events.

FIGS. 8 and 8A show a more detailed block diagram of the functional components of the system which are used in personalization. FIG. 8A shows greater detail than FIG. 8. As described previously, personalization can be achieved through various techniques including collaborative filtering, interaction based on rules, including campaign rules and events. A value proposition database 114A, included in the decision engine 114, has user specific value proposition information like the number of times the value proposition is shown, adjusted weightage for each value proposition, time stamps, the channel upon which the user is interacting with the system, etc.

With reference to FIGS. 8 and 8A, the content manager 116 passes a request 116A from the user to the personalization manager 112 for a recommendation of a value proposition to be presented to the user. As part of this request, a user's profile is passed from the profile manager 118 to the personalization manager 112. The user's interaction data from the interaction data storage 130 is also passed as an input to the personalization manager 112. These personalization manager queries are passed to the decision engine 114 for application of rules. The decision engine 114 evaluates the various rules stored in the rules data base 132. The decision engine 114 then passes back all the value propositions that the user should be targeted with based on a decision process executed by the decision engine 114. Along with each value proposition, the decision engine 114 passes a weightage and rule type. The personalization manager 112 will calculate the best value proposition to present to the customer, as described below.

The personalization manager 112 then sends a request 133 to collaborative filtering engine 134 for a recommendation. The filtering engine 134 uses various data elements including profile from profile manager 118, interaction. etc. from the interaction data storage 130 to perform a “like mind” analysis. The collaborative filtering engine 134 returns a recommendation 136, i.e., a value proposition.

The personalization manager 112 gets the weightage for this user for all the value propositions obtained from the various sources including the decision engine 114, collaborative filtering 134, etc.

The personalization manager 112 then balances weightages of various value propositions and selects the best one for the particular user.

The personalization manager 112 updates, along with other flags, the value proposition data base 114A to adjust the weightage for this particular user and this particular value proposition and records the use of the proposition in the campaign manager. The personalization manager 112 then contacts the product configurator 136 which builds a personalized proposal depending on the user's profile and product/service (value proposition) profile 136A.

If the value proposition has been selected by the decision engine 114 and the rule type satisfied for the value proposition is a campaign, then the decision engine 114 checks the corresponding campaign, category for this user. The selected value proposition need not be a campaign, it could be an alert, etc. If the user is present, the decision engine 114 updates flags in a tagged list 138. If the user is not present then it adds the user to the list 138. The personalization manager 112 then sends the best value proposition to the content manager 116 which provides the selected value proposition to the user and assembles the content thereof via the portal 111 and selected channel 120.

FIGS. 9 and 9A shows functional components for event triggered personalization; FIG. 9A in greater detail. An event is a stimulus which triggers an action. The action could be executed by the information/service/product provider or by a business application. A business application can publish events whenever any business action is executed. External feeds can trigger events. The following types of events can be distinguished although they are not exhaustive: life events, market/bank information, feed events, customer relationship events, sales related events, advice related events, service related events, transactional/work flow events, user session events, profile related events, etc.

The campaign manager 122 generates target customer lists 140. Events 142 can be associated with campaigns. These events are subscribed with the alert/event manager 126. The campaign manager also sets frequency rates for the campaign against the tagged list as well as tracks cost data regarding the campaign.

The flow for event triggered personalization is as follows. Business applications 141 trigger various types of events. All generated events are associated with a particular user (customer/prospect). The alert/event manager 126 subscribes to all events for all customers, implicit or explicitly by the user.

The alert/event manager 126 publishes the event to all the subscribers of the event. One of the subscribers is the personalization manager 112. The alert/event manager 126 passes this event to the personalization manager 112 through a queue 144. The personalization manager 112 picks up this event from the queue 144. The personalization manager 112 checks the user associated with the event. The personalization manager 112 retrieves the user's profile from the profile manager 118. The content manager paints and pushes the event information to the subscriber.

Using the decision engine 114, the personalization manager 112 selects the most appropriate value proposition at that time for the event and for the particular user. The notification service 146 gets the user's preferences from the profile manager 118 to find out the user's preferred outbound contact channel, which may be one of the inbound channels 10 or different outbound channels. The notification service 146 gets the content (or pointer to content depending on the channel) for the value proposition to be delivered on the selected channel from the content manager 116. If the value proposition is to be delivered on an inbound access channel 10, then the value proposition is saved in the user's profile in the profile manager 118. This can be used for later delivery on the channel, for example, the Internet, when the user comes back to the provider. The notification service 146 updates the profile manager 118 with the outbound activity 150, For outbound delivery 152, the notification service 146 creates a contact/activity list in sales/service application 154 and informs the outbound delivery service 156 to deliver. The outbound delivery service 156 actually initiates the contact across various channels 158, for example e-mail, paper mail, faxes, etc. The sales/service application 154 is updated by the outbound delivery service 156 with the status of the outbound contact/delivery.

FIGS. 10 and 10A show functional components related to campaign management. FIG. 10A shows greater technical detail.

Customer analysis (data mining) 160 utilizes the data warehouse 162 to produce campaign rules including propensity rating (scores) for a particular customer. Marketing personnel 164 initiate campaigns for product promotion. The campaign manager 122 accepts the product/value proposition input and registers campaign related content components with the content manager 116.

Campaign targeting 122A validates the generated campaign rules 166. It generates a tagged customer list 168 with the help of the profile manager 118. Campaign targeting 122A exports the campaign rules 166 to the personalization manager 112 and, in particular, to the decision engine 114. Campaign targeting 122A also creates a contact and activity list 168 in sales applications 154 and informs the outbound delivery service 156 to start the outbound contact activity across various channels, for example, E-mail, paper mail, telephone calls, faxes, etc. The campaign is then executed on the chosen outbound channels 158.

Customer/prospect responses 170 can be of two types. One is that the customer seeks more information about the campaign or product. The contact response information is captured in real time and passed to campaign tracking 122B. The response is also fed to the sales/service application 154. This assists in scheduling further follow-up or can also be for no further outbound contact in the case of a negative response. Other kinds of response includes that the user/prospect actually buys the targeted product, e.g., by opening an account 171. This is entered in the fulfillment application 172. The fulfillment application 172 generates a fulfillment response 174 keyed to campaign tracking 122B. Fulfillment response is also recorded in sales and service applications 154 to follow-up.

Campaign tracking 122B updates the tagged targeted list 168 with the response. This helps the personalization manager 112 to take appropriate next action on inbound contact with the user from channels 10. Response analysis 176 analyzes the campaign response using a decision engine 178. This information is passed back to marketing 164 which can evaluate campaign effectiveness. The feedback is looped back into the existing campaigns and/or used for future campaigns.

When a customer/prospect interacts on an inbound channel, the personalization manager 112 evaluates the campaign rules 166. If the customer satisfies the campaign rules and is not present on the list, then the user is added to the list with relevant information. The personalization manager 112 then provides the campaign value proposition to the user via the content manager/assembler 116 and portal 111. If the user is already on the list then the personalization manager 112 also offers the value proposition to the user.

FIG. 11 shows the functional components of the portal and content assembler.

The content folders 190 are a set of business defined logical groups of one or more topics. The business provider can publish information to the folders and users can subscribe to them. Preferably, the folders do not have the actual content. Instead, they have pointers to content. The actual content preferably resides in the content repository 192 connected to content manager 116. A folder 190 may have restrictions for access as specified by the business provider.

A metadata repository 194 is also provided. The metadata repository contains pointers to the content elements, user preferences, content folders, ACLs, etc. This is information on how to reach a particular item of information.

The customer agents 196 work in the background to automatically search customer defined events and to save the content in the customer specific content folder 190. They also pre-fetch commonly requested information in the same folder.

The flow of content between user and portal 111 and the personalization manager 112 is as follows:

After the user is identified or authenticated by SSO 198, the request is passed to a channel access manager 111A. The channel access manager 111A identifies the user's channel and device that the user is using and passes the user identification and device/channel characteristics to the portal 111. The portal 111 fetches the user's preferences from the profile manager 118. Based on the user's channel characteristics and preferences, the portal 111 selects an appropriate template from the metadata repository 194. Based on the user's subscription stored in the profile, the portal gets the general content folder information and customer specific folder information from the metadata repository 194 based on pointers in folders 190. The content folder information is passed to the content manager 116.

The content manager 116 then returns a filled personalized content 200. This content, personalized to the customer, is delivered to the user through a delivery engine, not shown.

Offline, a crawler filter engine 202 automatically scans specified data sources for objects of interest. It classifies them and places the actual content in the content manager 116 and appropriate information in a content folder 190. This occurs off line. Additionally, also offline, a search engine 204 enables users to find objects using key words like names, descriptions, content types and filters. The user could be alert or notified upon return of new content.

FIGS. 12 and 12A show functional components for content management.

Content can come from two types of content sources, either a dynamic content source 161 or a static content source 163. Dynamic content is provided by applications like the personalization manager 112. Campaign related content is also selected dynamically and registered with the content server. Static content 163 can come from external feeds 201, for example, weather, news, stock quotes or internal feeds 203, for example product knowledge.

The content repository 116A contains content elements, pieces of content, for example, HTML files, images, applets, for selected channels, for example, the internet, web, ATM, etc. and pointers to content for other channels, for example, IVR, Siebel, etc. It also has information to map a value proposition to the content manager 116.

The flow for content management is as follows:

The portal 111 passes (181) a template name to the content manager 116. It uses the layout manager 208 to retrieve the actual template from the content repository 116A. The template is passed to the content assembler 210 which evaluates the template. It is divided into zones and each zone has a pointer to the source of the content. One or more zones can point to the personalization manager 112. The content assembler queries the personalization manager 112 for a value proposition. The personalization manager 112, using various techniques including the decision engine 114 and personalization rules database 114A, returns the best value proposition to the content assembler 210. The content assembler 210 maps the value proposition to the actual content element which is selected from the content repository 116A. The content assembler 210 returns the assembled content to the portal 111 for passage to the user.

Off-line, a version manager 212 publishes a notification event whenever a specified content element is changed. The portal 111 subscribes to this event and puts it in the user's content folder 190. The version manager 212 also notifies the owner of the content for version update. The content mapper 214 offers the content designer 216 a multi-dimensional view of the content element. It shows all other content that refers to this content, all channels that it is used in, all rules that point to this content, etc. The content mapper 214 provides content integrity and cross references. All content is added/removed/administered through the content mapper 214.

FIGS. 13 and 13A show functional components for profile management. The profile manager 118 is a broker which offers pointers/linkages to systems containing customer/prospect data. It contains supplementary information such as customer preferences. It assembles customer profiles using the global profile repository 118A. The profile manager is preferably integrated with single sign on (SSO) 198. It holds psychographic, demographic and other data elements related to a profile.

Online identity and credit verification of new customers can be by known means of online inquiry or external systems such as Bureauflex. The profile manager 118 is the gateway to any customer related information. It provides an aggregated view of the customer information. It provides a common API/messaging interface to all other business/provider applications. The profile manager 118 shields everyone from collecting distributed data across the business/provider.

Over a period of time, as the available customer data increases, the profile can be enriched to update the psychographic variables through knowledge discovery 220. The profile is enriched with the knowledge derived from various applications like the campaign manager 122, MIS reporting 160, collaborative filtering 134 and other interactions collectively indicated at 190.

FIG. 13A shows the architecture of the profile manager 118 in greater detail.

FIG. 14 shows functional components relating to single sign on (SSO).

All user authentication requests are passed to an authentication and authorization server (AAS) 230. The AAS 230 maintains/manages a security registry 232 which holds all customer/non-customer security identifiers like user name, password, access control layer, roles, etc. Whenever a new user signs up, the AAS 230 creates the same user scheme for a customer and/or prospect in the profile manager 118.

The flow for single sign on is as follows:

On any user request, the identification component 234 identifies if the user's request needs authentication. If the request is for a non-restricted item, the request is passed forward and the profile manager retrieves the user's preferences and alerts the content manager to assemble the view to the portal 111. If the request is for restricted items, it is passed through the AAS 230. The AAS 230 authenticates the user by verifying the user's identification/password. This is done by checking against the security registry 232. If the user is authenticated, along with the authentication status, the AAS 230 returns a navigation menu to the identification component 234 which holds the customer's entitlements for application servers and services. This is built by the AAS 230 based on rules. The AAS 230 also returns encrypted authentication tokens to the identification component. The token holds the user name, roles and validity information. The authentication token is stored in the customer's session. The token is passed with every subsequent service request to the corresponding web/application server, as shown at 233.

The access token is passed with every subsequent service request from the user. The token verification layer 234A verifies the tokens. If the token passes the verification process, the service request is passed forward, as shown at 236. Otherwise, it is blocked and the user is denied access to the service.

FIGS. 15 and 15A show functional components related to MIS (management information systems) reporting.

Data mining is the extraction analysis of data for purposes of discovering knowledge for large data bases. Data mining tools automate prediction of trends/behaviors and discovery of previously unknown patterns, allowing businesses to make proactive, knowledge driven decisions and new business logic/rules. Data mining can be performed on any user related data available across the information/product/service provider. Analysts 240 can extract a snap shot of the data bases 400 and run data mining tools in a separate analytical environment.

An analyst 240 using the customer/prospect data in the profile manager 118 and data mining tools can create a predictive propensity model. From this model, the data mining tools generate a customer segment, rules and propensity score for a customer segment. This can operate also in reverse. Marketing can define a customer segment by a rule in the campaign management application and data mining can generate a propensity model and score the customer segment in the campaign management application.

Campaign response data 250 can be fed to data mining applications 160 to analyze the response data. The response can be used to modify existing campaigns or for future campaigns. It can also derive certain customer/prospect attributes which can be updated through the profile manager 118.

User interaction, for example, click stream on the interne, can be captured and analyzed in real time, as shown at 260. Analysis can derive context out of the interaction. The context can generate interaction events, which can be sent to the alert/event manager 126. These events can be further sent to the personalization manager 112 for selecting the best value proposition. Interaction analysis 260 can generate new personalization rules based in real time for the personalization rules database 132. Interaction analysis 260 can also derive customer behavior patterns, channel usage, navigation patterns etc.

A contact manager 120 (see FIG. 2) captures contracts made with the system and stores these in contacts data base 270. Contacts can be analyzed using contacts data mining tools 162 to understand the user contact patterns, channel usage and purpose, etc. This can be fed back into the user's profile. Contacts can be used for purposes of audit, security, service analysis, and business processes.

As described, the present invention provides the ability for cross-channel applications to offer services, functions, and capabilities across all channels and allows the user of the system to have the ability to create a customer centric experience as well as allowing data knowledge to be gathered, analyzed and used. A cross-channel application can be used on any channel, for example, internet, ATM, phone lines, call centers, etc. Cross-channel applications can be layered on top of industry standard technology infrastructure, for example, message oriented middleware, component based architecture, industry standard platforms such as EJB, JMS, XML, MQ series, LDAP, BEA Weblogic, Oracle DB, Java Script scripting Engine, Sun Solaris and Unix, without limitation. Cross-channel application services are available to the different types of applications including the profile manager 118, the personalization manager 112, the event manager 126, the product configurator 136 and other cross-channel applications. All cross-channel applications can be made available on both external messaging and an internal EJB bus. To ensure performance and scalability, cross-channel applications are preferably hosted on an EJB application server environment. To meet today's fast changing business environment. a scripting capability can be provided to link the business service components to shorten the cycle time for rolling out new/updated business services.

FIG. 16 shows in greater detail how the personalization manager 112 calculates the best value proposition or offer to a customer on line.

A rules value proposition list 300 contains a list of all best value propositions with rules for each value proposition. This list is specific to a user. For a value proposition which is waiting for a delivery to a customer, the value proposition list is provided by the decision engine 114 and collaborative filtering 134. These are saved in the value proposition list 300.

A user proposition history object 302 contains the value proposition and the weight of each for a user. This information is extracted from a proposition history data base 304. The weight of the value proposition being offered to the user is reduced further. On session termination, all this updated information is written back to the proposition history data base 304.

The proposition history access object 302 accesses the proposition history data base 304 to get/set a value proposition weight list for a user. In case of an off line request, the found best value proposition is stored in the proposition history database 304.

The value proposition object 302 contains the best proposal that can be offered to a user. It contains the value proposition related rule and proposal information.

The flow for calculating the best value proposition is as follows:

First, a request to find a best value proposition for a user is passed to the calculate best value proposition component 306. The calculate best value proposition component 306 determines whether it is necessary to present any personalized proposals to the user. This is based upon the personalization rules data base 132 and rules evaluator 132A that is part of decision engine 114. The rules are applied on the request for the particular user and session. A user profile is then obtained from the session manager 308. This is used as one of the inputs to derive value propositions. The user profile and session information are kept ready for use by the decision engine 114. The decision engine 114 is used to extract a value proposition list for the user. The calculate best value proposition component 306 also finds out whether any value propositions are waiting for delivery for this particular user. Any such value propositions are stored in the user proposition history object 302.

The decision engine 114 and collaborative filtering engine 134 are then queried to derive value proposition lists best suited for this user. The decision engine 114 applies rules on the user and session information it has and derives a value proposition list 300. Collaborative filtering 134 gives a list of value proposition/recommendations after performing a “like mind analysis.” The returned lists are stored in the Value proposition list 300.

The calculate best value proposition component 306 balances weightages of various value propositions and selects the best one for this user from the complete list present in the rules/value proposition list 300. The product configurator 136 keeps a mapping of all value propositions to proposals that can be offered to a particular user. It applies rules and finds out whether the proposal for a value proposition can be offered to the user. In case a value proposition cannot be offered to a user, the calculate best value proposition component 306 checks for the next best value proposition.

If the chosen value proposition is a result of a campaign, then the user is added to the tag list 310 if the user is not already present. If the campaign has expired, then the value proposition/rules are deleted and the next value proposition is checked with the product configurator 136. The best found proposal is stored with its rules in the best value proposition object 312. In case of an on line request, this proposal is returned to the user. If the request or user is off line, it is saved in the proposition history data base 304 for later on line use.

Personalization is a process by which the system of the invention identifies the best value proposition to be delivered to the user. This can be done in several ways. One way is to calculate the best value proposition in real time on every click and show it to the user. Another way is to calculate/save a list of value propositions off line, even when the user has not come to the service provider. This means that the service provider does not use the user's context and current session click stream as inputs. Further, this would not use the contact history that the user may have generated after the off line activity. Another way is to calculate/save a list of value propositions at the start of the session and at every click select one and show it to the user. Again, this method does not use the user context and current session click stream.

Another option is to categorize rules as session static and session dynamic and at the start of the session or when off line calculate and save a list of value propositions. Later, when on-line, on every click the session dynamic rules can be evaluated. The downside to this method is that new session static rules that are added during the session cannot be utilized. The choice between the various options is a compromise between being effective and performance.

With reference again to FIG. 8A, the decision engine 114 manages a rule variable dictionary 114B. The rule variable dictionary 114B is a data structure which holds information of all the attributes shown. It is a list of variables and associated information that can be used for personalization. The rule variable dictionary includes the following categories of variables: profile attributes from the profile manager, session attributes from the session manager, context variables from the content manager, and events from the event manager. See FIG. 8A.

The rule variable dictionary 114B is updated to match the corresponding data model or attribute list of each of the above systems. In order to set up the dictionary, all the attributes are entered in the dictionary. The attributes can be entered either manually in the dictionary via a user interface 115 or can be updated by a programming interface 115A.

The personalization manager 112 preferably has a graphical user interface (GUI) through which marketing personnel can refresh the dictionary whenever required. This could also be done in real time whereby each of these systems could update the personalization manager 112.

The collaborative filtering engine 134 returns recommendations based upon user input and is fed with the user list 135 along with psychographic data and the value proposition list 137. The collaborative filtering engine 134 uses ratings which customers provide with respect to value propositions, i.e., information/products/services offered. Based upon these ratings it can then determine what types of information/services/products should be offered to the user. Another way to do this is over a period of time. After customers use the system, ratings can be defined based upon the user's preferences. Based upon these preferences, the collaborative filtering engine 134 can make recommendations as to other information/products/services.

Turning again to the content manager (FIG. 12A), the content manager 116 maintains a content dictionary 116B which is maintained in the content repository 116A. The content repository 116A is organized in the form of a tree structure termed a “content dictionary” 116B. The content dictionary is a hierarchical tree of content category by which content elements are classified. The tree structure allows content to be grouped into categories and further subcategories. The root of the content dictionary tree is called “NCS root”.

The first three branches from the root are as follows: The first branch is the layout category subtree. All template/layouts are stored under this node. They are further classified as branches. Each such branch represents a unique template which can be directly mapped to user preferences. They are not further branched. The second branch is the function category subtree. All functions are stored under this node. They are further classified as branches and sub-branches. Each has a unique function which can be directly mapped to user preferences.

The third branch is the data category subtree. All data categories are stored under this node. They are further classified as branches and sub-branches. Each sub-branch represents a unique data category which can be directly mapped to user preferences.

Still referring to FIG. 12A, and with further reference to FIG. 12B, the content assembler flow is as follows: Every incoming request (URL) directly refers to a layout category. Each layout category may have a number of layouts. The correct layout is chosen based on the user's layout preference and on the device and channel the user is utilizing. Each layout has an associated template which defines visual characteristics. This template defines multiple zones and a function category for each zone. Each function category has one or more functions. Appropriate functions are chosen based on the user's interests amongst all the functions in this function category stored as preferences with the profile manager. A function contains a template and one or more data categories. This function template provides a consistent way (for a device/channel) in which the function is displayed irrespective of the data category. A data category is a node in the content dictionary 116B. Each function may have one or more data categories and also have one or more data elements. For all static contents, appropriate data elements are chosen based on which data element the user is interested in amongst all the data elements in this data category. This interest is stored as a preference with the profile manager 118. For all dynamic content a separate adapter component can be written. This component can communicate with an application and get back the data elements.

Content is gathered for personalization as follows: Personalization is a function category specified in a zone. A content selector contacts the personalization manager to resolve this function category to a value proposition for the customer. The value proposition is mapped to a function for the channel and device. The function has a template and one or more data categories and is processed accordingly as other functions.

Transactions, for example, a balance summary, transfers, etc. are a function by themselves. Transactions contains a template and a data category. The transaction data category has a corresponding object component to be called and provides the data for the transaction result to be displayed.

The product configuration is the data category with a corresponding object component to be called and provides the product configuration information for a given product for the customer in session. For example, if a home equity loan is being proposed, the product configuration will provide terms and conditions for this customer based on the customer's relationship and credit information.

Events, pending for delivery during inbound customer interaction, belong to a specialized event data category. The corresponding object component will be called to retrieve the pending events for customer display.

Turning again to the event manager (FIG. 9A), all events are stored in an event tree 126A. The tree structure allows event types to be grouped into categories and further subcategories. Each branch in the tree represents a subcategory of the event it branches from. The event tree is built dynamically. When a new event type is added to the environment, it is added to the tree so that it is available for subscription. Access to the event tree can be either to read or to write. A write access adds an event type to the tree. The tree is read to publish the event to all the subscribers.

The event properties describe the event itself and further relevant information associated with the event. Event agents 127 generate events that are in the event tree. For the first event. a new event type is created in the tree. This is done by calling one of the operations offered by the event manager. Every time, including the first time, the event agents 127 generate the event and pass event properties to the event manager 126. Subscribers subscribe to events that are in the event tree. For the first time they subscribe to the event and every time including the first time they receive the event along with event properties.

Event subscriptions are customer applications which subscribe to events or event categories. They can specify the following subscription information: Extra conditions that must be satisfied before the event is forwarded to them. The event manager 126 will evaluate these conditions before forwarding the event. They also specify what action to perform when the event occurs. They also indicate the expiration of the subscription. The conditions are evaluated and the action is performed by the event manager 126. The client application specifies this in a form of class name. These classes are installed on the event manager.

Event agents 127 are applications that generate events. They monitor required data sources. Event agents have user preferences about the event that they can generate. A new event that is sent to the event manager 126 will have a user ID associated with it. Event agents communicate with the event manager 126 through standard adapters 129 which support, for example, XML over MQ series, EJB interfaces, etc. Custom adapters can be built to support additional interfaces, for example, news agents, stock agents, transaction agents.

The LDAP comprises the following: A profile data dictionary, interface dictionary and a storage dictionary. The profile data dictionary is a dictionary to hold the data model of the profile. The data model is stored as a hierarchical tree. It has a list of profile attributes. The tree is stored in an LDAP directory. The profile dictionary manager automatically updates the interface and storage dictionary whenever the profile data dictionary is modified.

The interface dictionary holds information about the source of the attributes. It describes how each attribute needs to be fetched and which adapter to use. It describes that the attributes have to be fetched in real time or in batch mode, the frequency, age, etc.

The storage dictionary holds an internal storage and retrieval related information like the table name, field name, name, etc. this dictionary describes each and every attribute and attribute category. These attributes are saved in multiple tables across data bases. This dictionary is stored in an LDAP directory.

The profile data base physically holds the actual profile attributes. Storage of the attributes is optimized for retrieval/update of the attributes and may not be the same as the profile data model.

Returning to FIG. 13A, the data access manager 118B manages all read and write access to the customer profile database. It aggregates scattered attributes from internal and external storage systems. For reading the profile, it reads the storage dictionary 118C. This gives information about how to fetch the profile. Various methods can be used to fetch the profile, for example, obtaining it in real time from the source system through the interface manager 118D, reading from the local database, etc. For each method, there is additional information which aids in fetching the profile. In writing the profile, the data access manager 118B uses the storage dictionary 118C. The dictionary tells where to write the profile attributes.

The interface manager 118D manages interfacing to business systems. Anything coming in or going out occurs through the interface manager 118D. It uses suitable interface adapters 118E to gather/exchange profile information.

The global profile repository 118A is built by pushing and pulling. Certain attributes are fetched in real time when required. Certain attributes are downloaded periodically, for example, in batch mode. Applications can update the profile attributes in real time. Certain attributes can be written in batch mode. The profile attributes can have ACLs for read/write access. Any read/write access to the global profile repository 118A preferably should be through an authorization component. The data access manager 1188 can impose these restrictions.

Although the present invention has been described in relation to particular embodiments thereof, many other variations and modifications and other uses will become apparent to those skilled in the art. Therefore, the present invention should be limited not by the specific disclosure herein, but only by the appended claims. 

What is claimed is:
 1. A computer-implemented method for personalizing interaction between a user and a provider, comprising: storing in at least one non-transitory computer memory, data and instructions pertaining to users including account information and information of products and services held by users; accessing the at least one computer memory by a computer processor to execute the instructions and to perform steps including: providing an interface to a server-based debt management system for users to interact with a provider system over a plurality of different access communication channels; receiving, at said server-based debt management system, a user request electronically transmitted over a specific access communication channel using a remote user access device; accessing by said server-based debt management system, user profile data corresponding to the requesting user from a database containing user profile data for a plurality of different users besides said requesting user; accessing, by said server-based debt management system user credit information corresponding to the requesting user; accessing by said server-based debt management system, a rules based database for information on rules for providing one or more debt management offers to users; determining, by said server-based debt management system, which of the said one or more debt management offers to present to the user over the channel based on user profile data, user credit information and information from the rules database, prior to the user receiving at least one offer selected from the said one or more debt management offers; and transmitting the at least one selected offer from the server-based debt management system to the requesting user using electronic transmission.
 2. The computer-implemented method of claim 1, wherein the user accepts the at least one selected offer and settles part or all of a debt.
 3. The computer-implemented method of claim 1, wherein the credit information comprises a credit report associated with the user.
 4. The computer-implemented method of claim 1, wherein the debt management system services multiple access channels accessed by two or more of Automated Teller Machines (ATMs), Voice Response Units (VRUs), emails, and Internet access using a web device or Personal Digital Assistant (PDA) or handset.
 5. The computer-implemented method of claim 1, wherein the content of the response is personalized by a personalization engine acquiring and providing content that is user-specific.
 6. The computer-implemented method of claim 1, wherein the at least one selected offer transmitted to the user depends upon the specific access communication channel.
 7. The computer-implemented method of claim 1, wherein specific users are enrolled in or subscribe to a plurality of event sources such that the incidence of an event acts as a trigger to have user-specific content delivered to a user as part of an offer.
 8. The computer-implemented method of claim 1, wherein the at least one selected offer comprises an incentive to the user to settle all or part of the debt.
 9. The computer-implemented method of claim 1, further comprising providing an alternate offer that differs from the at least one selected offer.
 10. The computer-implemented method of claim 2, further comprising approving settlement of all or part of the debt based on predetermined settlement rules.
 11. The computer-implemented method of claim 1, wherein the offer is personalized in content by providing user-specific content including information from event sources as a result of events triggering release of information for event sources the user is enrolled in or subscribed to.
 12. The computer-implemented method of claim 1, wherein the offer is personalized in format by a content manager that formats data to be delivered over a delivery communication channel specific to the user.
 13. The computer-implemented method of claim 1, wherein the offer is personalized in format by a knowledge management system that has access to a plurality of templates corresponding to different offers, each template having a plurality of different layouts, and each layout having zones that are mapped to particular functions or data.
 14. The computer-implemented method of claim 13, wherein the offer is personalized in format such that the knowledge management system delivers a plurality of different template-layout-zone combinations specific to the user's identity or profile.
 15. The computer-implemented method of claim 1, further comprising enabling the user to made a different offer than the at least one selected offer.
 16. A computer-based system for personalizing interaction between users and a provider in a multi-channel access provider system for accessing information of a plurality of products or services, comprising: at least one non-transitory computer memory storing data and instructions pertaining to users including account information and information of products and services held by users; at least one computer processor accessing the data and instructions and executing instructions to perform steps including: providing an interface to a server-based debt management system for users to interact with a provider system over a plurality of different access communication channels; receiving, at said server-based debt management system, a user request electronically transmitted over a specific access communication channel using a remote user access device; accessing by said server-based debt management system, user profile data corresponding to the requesting user from a database containing user profile data for a plurality of different users besides said requesting user; accessing, by said server-based debt management system user credit information corresponding to the requesting user; accessing by said server-based debt management system, a rules based database for information on rules for providing one or more debt management offers to users; determining, by said server-based debt management system, which of the said one or more debt management offers to present to the user over the channel based on user profile data, user credit information and information from the rules database, prior to the user receiving at least one offer selected from the said one or more debt management offers; and transmitting the at least one selected offer from the server-based debt management system to the requesting user using electronic transmission.
 17. The system of claim 16, wherein the user accepts the at least one selected offer and settles part or all of a debt.
 18. The system of claim 16, wherein the credit information comprises a credit report associated with the user.
 19. The system of claim 16, wherein the debt management system services multiple access channels accessed by two or more of Automated Teller Machines (ATMs), Voice Response Units (VRUs), emails, and Internet access using a web device or Personal Digital Assistant (PDA) or handset.
 20. The system of claim 16, wherein the content of the response is personalized by a personalization engine acquiring and providing content that is user-specific.
 21. The system of claim 16, wherein the at least one selected offer transmitted to the user depends upon the specific access communication channel.
 22. The system of claim 16, wherein specific users are enrolled in or subscribe to a plurality of event sources such that the incidence of an event acts as a trigger to have user-specific content delivered to a user as part of an offer.
 23. The system of claim 16, wherein the at least one selected offer comprises an incentive to the user to settle all or part of the debt.
 24. The system of claim 16, further comprising providing an alternate offer that differs from the at least one selected offer.
 25. The system of claim 17, further comprising approving settlement of all or part of the debt based on predetermined settlement rules.
 26. The system of claim 16, wherein the offer is personalized in content by providing user-specific content including information from event sources as a result of events triggering release of information for event sources the user is enrolled in or subscribed to.
 27. The system of claim 16, wherein the offer is personalized in format by a content manager that formats data to be delivered over a delivery communication channel specific to the user.
 28. The system of claim 16, wherein the offer is personalized in format by a knowledge management system that has access to a plurality of templates corresponding to different offers, each template having a plurality of different layouts, and each layout having zones that are mapped to particular functions or data.
 29. The system of claim 28, wherein the offer is personalized in format such that the knowledge management system delivers a plurality of different template-layout-zone combinations specific to the user's identity or profile.
 30. A computer-implemented method for personalizing interaction between a user and a provider, comprising: storing in at least one non-transitory computer memory, data and instructions pertaining to users including account information and information of products and services held by users; accessing the at least one computer memory by a computer processor to execute the instructions and to perform steps including: providing an interface to a server-based debt management system for users to interact with a provider system over a plurality of different access communication channels; receiving, at said server-based debt management system, a user request electronically transmitted over a specific access communication channel using a remote user access device; accessing by said server-based debt management system, user profile data corresponding to the requesting user from a database containing user profile data for a plurality of different users besides said requesting user; accessing, by said server-based debt management system user credit information corresponding to the requesting user; accessing by said server-based debt management system, a rules based database for information on rules for providing one or more debt management offers to users; determining, by said server-based debt management system, which of the said one or more debt management offers to present to the user over the channel based on user profile data, user credit information and information from the rules database, prior to the user receiving at least one offer selected from the said one or more debt management offers; transmitting the at least one selected offer from the server-based debt management system to the requesting user using electronic transmission; processing the user response to the at least one selected offer; and approving settlement of all or part of the debt based on the user response and predetermined settlement rules. 